Harsh, but it's a VERY common issue with new investors - you spend all that time learning and reading and listening to podcasts and then it's like 'ok when do I actually DO something'.

That $3k is a sting too harsh to let slide...if I were you, I'd deliver the following in an upbeat and positive manner, "You took good care of the house, which is wonderful.

Harsh I know but it is better than wasting your time looking for a unicorn wearing a top hat that is the 1% rule in a decent area of Socal in 2019.

Sorry if it is too harsh.

I apologize if this sounds harsh but simply put by others... "***, gas, or grass, nobody rides for free.."

The township was pretty harsh regarding the certificate of occupancy, which really just meant repairs to the sidewalk and driveway / curb-- and in certain spots they wanted brand new slabs when patching would have been sufficient.

Some plants may still require drip system to make it through the harsh summer.

The ^above^ may be less true, or may come off as harsh, if you're not in the SF Bay Area.

look  imma be a lil harsh here.. you shouldve accounted for inflation or increased premiums when you made your initial purchase.. its called proper underwriting. with that being said. some lenders allow for up to 5% ded and you should review your policy to make sure there are no junk coverage. also look at your market if we are at the top perhaps you should consider selling and 1031 your funds into an apartment deal as a passive investor

I hate to see anyone accept the harsh penalties and taxes that result from raiding a qualified retirement plan (QRP).